CENTURY 21 Edge
$650,0004 bd2.5 ba2,529 sqft$257 /sqft≈$4,309 /mo all-in ↓

124 OAKWOOD PLANTATION DRIVE, FLEMING ISLAND, FL, 32003

Active5 days on marketListed Oct 7, 2026MLS #FC321998

Private poolSingle Family ResidenceOAKWOOD PLANTATION

About this home

124 OAKWOOD PLANTATION DRIVE

A screened pool, a pond out back, and your own private dock and pergola at the water's edge. 124 Oakwood Plantation Drive is a single-story Fleming Island pool home where the big-ticket items are already done. New roof. New air conditioning. New water heater. New flooring and fresh interior paint throughout. Low annual HOA and no CDD. Picture a regular weeknight here. You open the French doors onto the covered lanai, ceiling fans turning, and the pool stretches out in front of you under a panoramic screen enclosure. Past the screen, the lawn runs down to a long pond lined with trees on the far bank. Walk across the yard and you're on the wood deck under the pergola, at the water. It's the spot for morning coffee, a quiet Sunday or dinner at sunset. Inside, the home opens with a columned entry and arched openings. The formal dining room has columns, a chandelier and plantation shutters, while the separate living room gives you another place to gather. The family room features a fireplace with built-in shelving, high ceilings with display niches, and tall windows overlooking the pool. The kitchen opens to the family room, keeping the cook in the conversation. Rich wood cabinetry, granite counters, a center island and stainless appliances sit under a vaulted ceiling, with a window-wrapped breakfast nook. A dedicated home office means working from home doesn't take over the dining table. The primary suite has a tray ceiling and French doors to the lanai. The primary bath has a garden tub, glass walk-in shower and separate vanities. Guest bedrooms share a full bath, and a powder room serves the main living area. New light oak-tone plank flooring runs through the living areas and bedrooms, and every room has fresh paint. 4 bedrooms, 2.5 baths and 2529 square feet, all on one level. Here's the part that matters at inspection. The roof [2026], AC system [2022] and water heater [2025] are all new. The home has been meticulously maintained. Oakwood Plantation is a small, single-street community on Fleming Island with sidewalks, street lights, a neighborhood park, playground and walking path. The HOA is about $500 a year with no CDD. Location is a big part of the appeal. Fleming Island sits on the west bank of the St. Johns River in Clay County, just south of Orange Park along US-17. Groceries, retail and restaurants along US-17 and County Road 220 are minutes away, as is Baptist Clay Medical Campus. Orange Park and Orange Park Mall are about 15 minutes north, and NAS Jacksonville is about 20 minutes away. US-17 and I-295 put downtown Jacksonville about 30 minutes away. The Buckman Bridge connects you to Mandarin and the Southside, with St. Johns Town Center about 30 to 35 minutes away and Mayo Clinic Jacksonville about 40. Jacksonville International Airport is roughly 45 minutes. Historic St. Augustine is about 45 minutes away, and the Jacksonville beaches run about 50 minutes to an hour. When the First Coast Expressway is complete, you will be able to get to all areas of NE Florida in approx. 30 mins. If you love the water, you're surrounded by it. The St. Johns River, Doctors Lake and Black Creek wrap around Fleming Island, with public boat ramps, fishing and paddling close by. Golf courses, parks and riverfront trails round out the weekends. Clay County District Schools earned an "A" district grade. Single-story living, a screened pool, a pond, a private dock, new major systems and no CDD, all in one Fleming Island home. Welcome Home!

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,529

Sqft

0.24 ac

Lot size

2

Garage

2005

Year built

One

Levels

$257

Per sqft

Private poolFireplace

Inside

FlooringLuxury Vinyl · Tile
AppliancesDishwasher · Disposal · Gas Water Heater · Microwave · Range
InteriorCeiling Fan(s) · Other · Split Bedroom · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Gas Dryer Hookup · Washer Hookup
CoolingCentral Air · Zoned
HeatingCentral

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
FacesSouthwest
ExteriorLighting · Sidewalk

Community & fees

HOA fee$42/mo
Taxes (2025)$4,274/yr
PetsNumber Limit

Utilities & systems

UtilitiesCable Available · Electricity Connected · Propane · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$4,309 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,507
PMI (est., until 20% equity)$244
Property tax — 2025 actual bill$356
HOA fee — from the listing$42
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $65,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $65,000
Interest rate6.00%
Loan term

Estimated payment

$4,309/mo

Principal & interest$3,507
PMI (est., until 20% equity)$244
Property taxes (actual bill)$356
HOA / condo fee$42
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

The numbers that matter

The Fleming Island market

Seller’s marketLeans seller — 3.0 months of inventoryBuyer’s market

$499K → $420K

Fleming Island median sold, yr/yr

95.9%

Sale-to-list ratio (12 mo)

Median sold price, Fleming Island, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 44% above the Fleming Island median. See the full Fleming Island market guide →

Paper trail

This home's history

Oct 7, 2026Listed at $650,000 · 5 days on market since
2005Built · OAKWOOD PLANTATION

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Cindy Fernandez

Your agent

Cindy Fernandez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 124 OAKWOOD PLANTATION DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 124 OAKWOOD PLANTATION DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

124 OAKWOOD PLANTATION DRIVE FAQs

What would the monthly payment be for 124 OAKWOOD PLANTATION DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,309/mo — principal and interest, the actual property-tax bill, the $42/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 124 OAKWOOD PLANTATION DRIVE?+

The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 124 OAKWOOD PLANTATION DRIVE?+

The most recent tax bill on record (2025) was $4,274. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 124 OAKWOOD PLANTATION DRIVE?+

The listing reports pets: Number Limit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Fleming Island?+

At $650,000, this home is listed about 44% above the Fleming Island median of $449,950. The market section on this page shows how the area is trending.

The brief

Three things that matter here

01Positioned at the premium end

$650,000 runs 44% above the Fleming Island median — but at 2,529 sqft it's also 40% larger than the typical Fleming Island listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Fresh on the market

Only 5 days on market in a Fleming Island market that averages 10 — if it fits, move quickly.

Listing courtesy of KELLER WILLIAMS ST. JOHNS · Christina Welch. MLS #FC321998.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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124 OAKWOOD PLANTATION DRIVE, FLEMING ISLAND, FL — 4 Bed, 2.5 Bath — $650,000 | CENTURY 21 Edge